What you're worth
$487,230
โฒ Up $12,410 this month ๐
Cash on hand
$36,842
โฒ Up $1,205 this month
Growing for later
$232,610
โฒ Up $9,830 this month
What you owe
$294,470
โผ Paid off $2,140 โ nice!
โจ Sumly saysโฆ
See all tips โ๐ก
You could save $47/month on subscriptions
You're paying for Netflix, Hulu, and Disney+ but only used Netflix last month. Want help pausing the other two?
๐
Heads up: big week for bills
Your mortgage ($2,340) and credit card ($1,824) both hit before Jul 20. You'll be fine โ but your checking will dip to about $3,200.
Your worth over time
Last 12 monthsWhere your money lives
Your accounts
See all โ๐ฆ
Chase Checking
Everyday spending
$12,304
๐ฐ
Ally Savings
Earning 4.10%
$24,538
๐ฑ
Fidelity
Investments
$148,220
๐ช
Coinbase
Crypto
$31,180
July budget
Open โLatest activity
See all โ๐
Whole Foods
Today ยท Groceries
-$86.40
๐ต
Paycheck ๐
Yesterday
+$4,250.00
โก
Electric bill
Jul 8 ยท Utilities
-$142.19
๐ช
Bought Bitcoin
Jul 7 ยท Crypto
-$500.00
๐งฉ Billance โ shared bills
Open โ๐ง
Jake owes you
Rent + utilities
$412.00
๐ฉ
Priya owes you
Internet + cable
$206.50
๐
You owe Jake
Pizza night
$42.30
๐ง
Next shared bill
Water & trash ยท Aug 1
$96.40
All squared up, you'd get
+$576.20
Coming up
| What | When | Amount | Status |
|---|---|---|---|
| ๐ Mortgage | Jul 15 | $2,340.00 | Pays itself |
| ๐ณ Chase card | Jul 18 | $1,824.33 | Take a look |
| ๐ Car payment | Jul 20 | $612.00 | Pays itself |
| ๐ฒ Peloton payment | Jul 22 | $96.25 | Scheduled |
Money Health Score
82 / 100
โฒ Up 4 points since June
Found for you this month
$214
In potential savings
Safe to spend today
$89/day
Until end of July
โจ This week's suggestions
๐ก
Cancel unused subscriptions โ save $47/month
Hulu and Disney+ haven't been used in 6 weeks. That's $564/year back in your pocket if you pause them.
๐ฐ
Move $2,000 of idle checking money to savings
Your checking usually keeps a $10k+ cushion but you only need about $8k for bills. Moving $2,000 to your Ally account would earn ~$82/year at 4.10%.
๐ฝ๏ธ
Dining out is over budget โ small tweak available
You're $12 over your $400 dining budget with 21 days left. Skipping one takeout order a week keeps you on track without giving up date night.
๐
Your mortgage rate looks high โ refi could save $210/month
You're paying 5.875% but rates near 5.1% are available for your credit profile. See your options in Financing.
๐จ
Emergency fund is 82% there
$5,462 to go. At your current pace you'll hit your $30k goal by December. Bumping your monthly transfer by $250 gets you there in October.
Cash flow forecast โ next 30 days
Based on your usual income and bills. Lowest point: $3,180 on Jul 20 โ no action needed.
Total cash
$36,842
โฒ 3.4% this month
Coming in monthly
$8,500
2 paychecks
Going out monthly
$6,214
A bit more than June
Bank accounts
+ Connect a bank๐ฆ
Chase Checking
Everyday spending
$12,304.18
๐ฐ
Ally Savings
Emergency fund ยท earning 4.10%
$24,538.02
+$83 earned this year
๐ซ
Joint account with Sarah
Shared bills
$3,911.44
๐
Marcus CD
Locked until Feb 2027 ยท earning 4.35%
$10,000.00
In vs. out โ last 6 months
โ Money in โ Money out
You owe on cards
$4,462
Across 3 cards โ all on time โ
Credit you can use
$43,538
Healthy โ only using 9%
Rewards earned this year
$684
Free money ๐
Your cards
+ Add a card๐ณ
Chase Sapphire
Due Jul 18
$1,824.33
๐ณ
Amex Gold
Due Jul 25
$2,102.90
๐ณ
Citi Double Cash
Due Aug 2
$534.61
Where it went this month
Invested
$201,430
โฒ Up $7,120 this month
You've gained
+$48,310
+31.6% since you started
Dividends this year
$1,842
Next one Jul 15
Your accounts
๐ฑ
Fidelity
Personal investing
$148,220
+4.1% this month
๐ข
401(k) through work
Employer matches 6% ๐
$41,880
+2.8% this month
๐ด
Roth IRA
$4,200 of $7,000 added this year
$11,330
+3.2% this month
Your biggest holdings
| What | Worth | Today |
|---|---|---|
| Total stock market fund VTI | $93,020 | +0.8% |
| Apple AAPL | $33,782 | +1.2% |
| NVIDIA NVDA | $16,112 | -0.6% |
| International fund VXUS | $14,469 | +0.3% |
Crypto value
$31,180
โฒ Up $2,710 this month
You put in
$22,400
Up 39% overall ๐
Earned from staking
$312
This year โ like interest, but crypto
What you hold
| Coin | Where | Worth | Today |
|---|---|---|---|
| โฟ Bitcoin | Hardware wallet ๐ | $17,741 | +2.1% |
| ฮ Ethereum | Coinbase ยท earning rewards | $8,364 | +3.4% |
| โ Solana | Coinbase ยท earning rewards | $3,189 | -1.2% |
| ๐ต USDC stable, like digital dollars | Coinbase | $1,886 | 0.0% |
Value over the last 90 days
Total owed
$294,470
โผ $2,140 less than last month
Monthly payments
$3,048
4 things you're paying off
Could you pay less?
Maybe!
Check your options โ
What you're paying off
๐ Home $2,340/mo20% paid off
$248,900 left ยท Free & clear in 2052 (or sooner!)
๐ Car $612/mo35% paid off
$27,340 left ยท Yours in Nov 2029
๐ Student loan $310/mo54% paid off
$17,460 left ยท Over halfway there! ๐
๐ฒ Peloton $96/mo ยท 0% interest67% paid off
$770 left ยท Just 8 payments to go
Your debt is shrinking ๐
Goal hit! You're saving 27% of your income ๐
You blew past your 25% goal this month โ that's $2,295 toward your future. Your rainy day fund is 82% full and Hawaii is right on track. Keep doing exactly what you're doing.
July budget
$6,800
$1,888 left to spend
Safe to spend
$89/day
For the next 21 days
You're saving
27%
of your income โ goal was 25% โ
Spending categories
AdjustThings you're saving for
+ New goal๐๏ธ Hawaii trip$3,400 of $5,000
68% there โ on track for the December trip โ๏ธ
๐จ Rainy day fund$24,538 of $30,000
82% there โ almost fully covered
๐ก Bigger home someday$8,100 of $25,000
32% there โ every bit counts
You're owed
$618.50
From 2 people
You owe
$42.30
To Jake, for pizza night ๐
Household bills this month
$3,284
Split 3 ways ยท all on time โ
Who owes what
Remind everyone๐ง
Jake
Rent + utilities share
owes you $412.00
๐ฉ
Priya
Internet + cable share
owes you $206.50
๐ง
You โ Jake
Pizza night, Jul 5
you owe $42.30
Your household
+ Invite๐งโ๐ฆฑ
You (Mike)
Pays rent & utilities up front
๐ง
Jake
Usually pays within 3 days
๐ฉ
Priya
Pays internet & cable up front
Shared bills
+ Add a bill| Bill | Paid by | Split | Total | Your share | Status |
|---|---|---|---|---|---|
| ๐ Rent due 1st | You | 3 ways, even | $2,400.00 | $800.00 | 2 owe you |
| โก Electric due 8th | You | 3 ways, even | $142.19 | $47.40 | 2 owe you |
| ๐ Internet due 12th | Priya | 3 ways, even | $79.99 | $26.66 | You paid โ |
| ๐บ Cable & streaming due 15th | Priya | 3 ways, even | $64.98 | $21.66 | You paid โ |
| ๐ง Water & trash every 2 months | You | 3 ways, even | $96.40 | $32.13 | Next: Aug 1 |
Recent settle-ups
โ
Jake paid you $847.40
Jun rent + utilities ยท Jun 4 ยท Venmo
+$847.40
โ
Priya paid you $847.40
Jun rent + utilities ยท Jun 2 ยท Zelle
+$847.40
๐ธ
You paid Priya $48.32
Jun internet + cable ยท Jun 14
-$48.32
โจ Billance Coach
๐
Make rent split automatic
Rent is the same every month. Turn on auto-request and Jake and Priya get their $800 request the moment it's due โ no more chasing.
๐งฎ
Simplify: net it all out
Instead of 3 separate payments this month, one transfer settles everything: Jake sends you $369.70, Priya sends you $206.50. Done.
โจ Based on your money, here's what could help
๐
Best move: refinance your mortgage
Rates have dropped since you got your loan. Refinancing at 5.10% could save you about $210 every month โ that's $2,520/year.
๐ Home refinance offers
BEST MATCH
5.10%
Better Mortgage
30-year fixed ยท No fees to apply ยท Checking won't hurt your credit score
5.25%
Rocket Mortgage
30-year fixed ยท $1,200 closing credit ยท Fast online process
4.85%
Local Credit Union
15-year fixed ยท Higher monthly payment but pays off 11 years sooner
๐ต Personal loans โ for consolidating or big purchases
7.9%
SoFi
No fees ยท 2โ7 year terms ยท You're pre-qualified based on your profile
8.4%
LightStream
Rate discount with autopay ยท Same-day funding available
6.99%
Marcus
You already bank here โ existing customers get the best rates
๐ก Borrow against your home โ you have ~$186k in home equity
7.25%
HELOC โ Figure
A credit line backed by your home ยท Only pay interest on what you use
6.90%
Home equity loan โ U.S. Bank
One lump sum, fixed payment ยท Good for a renovation project
0%
Card upgrade โ Chase
0% interest on purchases for 18 months ยท You're pre-approved
These are example offers for the prototype. In the real app, offers would be matched to your actual credit profile, and we'd always show the full cost โ no surprises.
Everything that happened
Filter โพ| When | What | Account | Category | Amount |
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